We are committed to selecting the best product solution for your business. We can set your business up with Visa, MasterCard, PIN and Signature Debit, Discover, American Express, Check Service and Stored Value Cards.  We have 24/7 Terminal Support, and 24/7 Customer Service.  We are here for you 365 days of the year.

• No Set Up Fees
• No Monthly Minimums
• No Batch Fees
• No Annual Fees
• No Long Term Agreements

Checks / ATM Debit Cards

ATM Debit and Check Debit Cards are the most popular Credit Card type method of payment. They differ from Credit Cards in that they are issued by a cardholder’s financial institution and provide direct access to the checking account of the cardholder. Unlike a Credit Card transaction, there is a great reduction in the chance that a debit transaction will be charged back because funds are directly withdrawn from the cardholder’s checking account with verification from the cardholder utilizing a Pin Number.

Very little additional equipment is required to add debit card processing to your merchant account. If you are currently processing Credit Cards, in most cases, you can add a Pin Pad to your terminal and save money by paying only a transaction fee instead of a discount rate plus transaction fee in which banks or processors usually charge.

• Save money using a Pin Pad on all ATM/Check debit card transactions.
• Build traffic and increase cash purchasing power as well as impulse sales.
• Make $ on optional cash back
• Differentiate yourself from marketplace.
• Guaranteed transaction; NO CHARGEBACKS

QUESTION AND ANSWER

1.) How long does it take for the funds to reach my account?
The funds will be in your account at your bank in 2 business days.

2.) How long will it take to get an account set up?
The application approval is 24-72 hours. Once the account is approved, the equipment is then programmed and shipped.  It usually takes 3-5 days to reach the merchant once it is programmed. Thus, please allow 8-10 business days.

3.)  How do I pay my fees for the processing charges?
All fees are ACH(auto clearing house) from your account.   You will receive a monthly statement showing your sales and the charges.

4.)  Do I have to get an electronic credit card terminal or can I just call in the cards?
The terminal will make the authorization of the transaction more efficient at a much lower cost. 

5.)  Do I need a dedicated phone line for the equipment?
The authorization terminal will share your existing phone line. It will need a single phone line and not one set for multi phone lines. The terminal will also only work on analog phone service and not on a digital phone line.

6.)  Do I receive any training on the equipment and software?
Training is an integral part of the service and it will be provided in print and in person as well as online support after the account is activated.

GLOSSARY / KEY TERMS

Authorization/Capture: The submission of credit card transaction to be processed by the merchant provider. This is used to check the fund's availability on the credit card submitted. The authorized transactions are held in the terminal until the terminal is settled.

Batch: A collection of authorized transactions that have been made in a single day or time period

Manual Batch: The merchant may initiate a settlement anytime on the terminal. A manual batch settlement will take any transactions in the terminal and submit them for payment into the merchant's account. The merchant may want to batch after each shift thus sending multiple deposits to the bank in a single day.

Auto Batch: The terminal is programmed to communicate after midnight to the host/mainframe computer at the processing center. The authorized transactions are sent for settlement to the merchant's bank account. Even if the terminal is set to auto close a manual batch may be done at any given time to empty the authorized transactions.

Charge Back: This is a charge declined from a customer or credit card holder. Your customers credit card issuer will handle the matter and you must show some proof that the services and/or products were delivered in the manner you both agreed upon. If the card holder wins, then the money is taken out of your merchant account.

Credit Card Fee (Discount Rate): This is the fee that is charged by Visa, MasterCard, Discover or American Express. The card associations have in excess of twenty interchange rate structures. We blend the rates into three categories: Qualified, Mid Qualified, and Non Qualified.

Qualified Discount Rate: This is the lowest possible rate. These transactions are swiped and it is the most secure form of transaction as the data is captured from the magnetic strip on the back of the card and sent with the transaction.

Mid Qualifed Discount Rate: This transaction will occur when it is hand entered (non swiped, but with AVS/address verification service), settled after 24 hours of authorization, or a swiped level II corporate card.

Non Qualified Discount Rate: All non swiped corporate cards, paper based merchants, or transactions not settled with in 48 hours of authorization.